How can I dispute fraudulent charges on my credit card?
If you believe you have fraudulent charges on your credit card, you can dispute it with your credit card company. You should first contact your credit card company immediately to inform them that you believe there are fraudulent charges made on your account. They will then take steps to investigate the charges and may be able to return the money to your account. If the credit card company does not resolve the issue, you can file a dispute with the Washington Department of Financial Institutions. You will need to fill out a complaint form which can be downloaded online. When filing the complaint, you will need to provide evidence of the fraudulent charges, such as a credit card statement, a description of what happened and any other documents that prove the fraudulent charges. The Department of Financial Institutions will then investigate the complaint and determine who is responsible for the fraudulent charges. If the Department finds that your credit card company is responsible, they will take steps to resolve the dispute, such as returning the money to your account or offering you a settlement. The Washington Department of Financial Institutions also has an online chat service if you prefer to communicate directly with one of their representatives. They will be able to answer any questions you may have about the dispute resolution process.
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